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Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
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Noah Wilson
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Why work with a Medicare agent
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Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
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Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in New Jersey
In New Jersey, 60% of Medicare-eligible people choose Original Medicare, making it the most popular coverage option. However, Medicare Advantage plans are gaining popularity in New Jersey, and they already cover 40% of Medicare enrollees in the state. There are dozens of Medicare Advantage plans available in New Jersey, with availability varying by county.
Original Medicare allows enrollees to see any provider that accepts Medicare, which includes the vast majority of doctors nationwide. Medicare Advantage plans must provide at least the same coverage offered under Original Medicare, but may have limited provider networks. They may also offer additional benefits beyond what Original Medicare provides.
Original Medicare doesn't cover dental, vision, or hearing services. Most Medicare Advantage plans in New Jersey offer these services. Enrollees with ongoing dental, vision, and hearing needs may benefit from choosing a plan that offers additional coverage.
Medicare enrollees in New Jersey should review their coverage each year. As their needs change, they may find that their current Medicare coverage no longer fits. Anyone can change their coverage during the annual Medicare Open Enrollment Period. Those with active Medicare Advantage plans can also change plans or switch to Original Medicare during the Medicare Advantage Open Enrollment Period.
How to apply for Medicare in New Jersey?
Medicare eligibility in New Jersey follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in New Jersey takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
How can a Medicare agent help me evaluate Medicare coverage in New Jersey?
Chapter's New Jersey Medicare Advisors have the training and knowledge to help you get the most from Medicare. Licensed Medicare agents provide free advice and support to help you understand your options. Schedule a free consultation or call Chapter at (855) 900-2427 to get your questions answered so you can make a confident Medicare coverage decision.
What is the difference between Original Medicare and Medicare Advantage in New Jersey?
Original Medicare is the federal health insurance program available to people 65 and older or those with certain disabilities. It consists of Part A, which covers hospital services, and Part B, which covers outpatient care. Medicare-approved private insurers offer Medicare Advantage plans in New Jersey that replace Original Medicare. Medicare Advantage plans provide the same coverage as Original Medicare and also offer additional benefits, like Part D prescription drug coverage and dental, vision, and hearing coverage. However, Medicare Advantage plans also come with limitations, including provider networks and prior authorization requirements.
Why can Medicare Advantage options and networks vary across New Jersey?
Individual insurers decide which plans they offer in each specific county. They also determine which doctors and facilities to include in their plans' networks. Coverage options can change yearly based on insurers' assessments of demand and their ability to offer cost-effective care. As a result, Medicare Advantage enrollees sometimes need to select a new plan during each year's enrollment period.
What Medicare cost assistance is available to eligible New Jersey residents?
New Jersey offers three cost assistance options to income-eligible residents: the Qualified Medicare Beneficiary (QMB) Program, the Specified Low-Income Medicare Beneficiary (SLMB) Program, and the Qualifying Individual (QI) Program. Each offers different types of assistance with premiums, deductibles, coinsurance, and copayments. Some low-income residents can also qualify for the federal Medicare Extra Help program, which helps pay prescription drug costs.
